Helping people like you buy and refinance their homes has been my passion for over 20 years. I love getting to know the financial goals of my clients to help them choose just the right loan for their unique needs. I ask lots of questions and listen intently so we can solve your home loan search together. In my spare time, I am the #1 fan of my four kids—Lily, Rose, Jack, and Caeden. I also love coaching club soccer and bass fishing.
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VA Loan - Go with John and First Federal!
You're going to receive calls from a bunch of lenders and 9 out of 10 of them are going to be pushy, fast talking and provided you few specifics on their rates and closing costs. John and First Federal are the 1 in 10 (maybe 1 in a 100) that does it right! 1. Origination fees: Most banks will charge you a 1% origination fee on the loan. The lender's "cost" to generate the loan. That can be quite a bit of money depending on the price of the home. First Federal however has a flat fee (under $700) to generate the loan, no matter how expensive the house is. This alone will save you thousands at closing! 2. Rates: This is an area I figured would be the same from lender to lender but surprisingly I found a lot of variation. That said, John and his team (along with 1 other lender) offered the best rate. First Federal however beat out the other as they offered up a lender rebate, which helped cover the VA funding fee. Awesome! 3. Customer Service: John was the one lender who provided me a loan breakdown right from the start. Most lenders will say "We can get you between X and X rate, with roughly between X and X closing costs." John on the other hand provided a detailed breakdown of the estimated fees and costs on day one. Of course they are just estimates but he provided details where others provided simply guesses (at best). More importantly though, John did not push us into choosing him and when we asked questions, he answered. He was extremely responsive and easy to contact when needed. 4. Getting to close: We were on a short timeline (military move) and had just over a month from offer to close on a VA loan. John and his team got us there. They made sure we got them what they needed early in the process so there were no hangups come closing time. And if we had questions about why we needed to provide certain documents they explained it and put us at ease. I've heard horror stories about short closing timelines but John and First Federal had no issues. Buying a house is stressful and this was our first purchase so there was an extra level just because we did not know what we did not know. John and his team though made it about as enjoyable as it could have been. I cannot recommend him and First Federal enough if you're looking for a VA loan.
Nathaniel from Montgomery, AL
On time and efficient handling of EVERYTHING! Thanks from both of us!
Stephen from Frisco, TX
Military Veterans call John ASAP!
John called me while I was in the phone with a different lender, I picked up his call and told him I was already working on refinance with the other lender. He simply and calmly told me that was ok and just give him a call back in 10 min, I just had this feeling I have to do more research about refinance and decided to call John. Two weeks later, I'm closing with First Federal Bank of Kansas City, John was able to lock me in with the best rate in the market and very low closing fees. Give him a call, he will take care of you.
Carlos from Lake Worth, FL
Patrick from Bozeman, MT
Timely, professional, and organized service!
We decided last minute in our loan buying process to shop around for a better rate, and John was very organized and prompt with helping us get everything in order to close on time!
Jeremy from Forney, TX